Yintoni i-SEPA kwaye yenzelwe ntoni?

Kungenzeka ukuba ngaphezulu kwesihlandlo esinye, ukhe waliva igama elithi SEPA kodwa endaweni yoko awuyazi ncam ukuba ingantoni. Kungokwemvelo, kuba olu hlobo lolwazi, ngelishwa, aluhlali lunikwa luhlaza okwesibhakabhaka kubaxumi beebhanki kwaye aluqondakali kuba yinto ebaluleke kakhulu. Kwaye oku kunokuba nefuthe elibi kumntu ochaphazelekayo kuba abanako ukonwabela izibonelelo ngokuzeleyo. Ngesi sizathu kwaye unolwazi olubanzi ngalo mbandela, kule posi uya kuyazi ukuba yeyantoni kwaye yenzelwe ntoni.

Konke Abantu baneakhawunti yebhanki enye okanye nangaphezulu. Oku kwenzeke kumashumi aliqela eminyaka enkosi kumaziko abandakanyeka ekuhlawuliseni ngokuthe ngqo ukusuka apho ngaphandle kwesidingo sokuba nemali ebonakalayo. Oku, kunceda ukunciphisa ukukhuthuzwa komntu nomntu, nangona kunokwenzeka ngokucacileyo ukuba ibhanki ngokwayo iphangiwe; apho ke awuyi kulahlekelwa yimali kuba uqinisekisiwe.
Ngaphandle kwamathandabuzo yenye yezona zinto zibalulekileyo kwiibhanki, kuba ubuncinci ngaloo ndlela ikunika isiqinisekiso esimalunga ne-100%.

Nangona kunjalo, zikhona ezinye izinto ezibalulekileyo ukuba abachazi kubaxhasi babo kwaye oku kunokuchaphazela kakubi umdla wabo, ukongeza kwinto yokuba kuxhomekeke kwinto ofuna ukuyenza, ukuba awuyazi ukuba yintoni kunye neenkqubo ekufuneka zenziwe, uya kuthi ungabinakho ukuqhubeka nomsebenzi.

Omnye wemizekelo ecacileyo yale nto iya kuba igama elithi SEPA, Nangona le nkonzo isebenza kuye wonke umntu, ayinguye wonke umntu owaziyo ukuba imalunga nantoni.

Yintoni i-SEPA?

Ukwazi ukuba yintoni i-SEPA kuya kubaluleka kwimidla yakho kuba ngale ndlela uya kuba nakho ukwazi ngokuthe ngqo izibonelelo ezikunikwa yibhanki yakho yangoku.

I-SEPA sisishwankathelo seNdawo eNye yokuHlawula yaseYurophu okanye iNdawo eyahlukileyo yeNtlawulo kwii-Euro ngeSpanish, kwaye linyathelo leShishini leBhanki yaseYurophu elivela kwiBhunga laseYurophu elixhaswe yiKhomishini yaseYurophu, oorhulumente kunye neeBhanki eziziiNtloko zamazwe abalulekileyo aseYurophu.

En pocas palabras, I-SEPA iza kuthi bonke abo bakummandla waseYurophu nokuba bayangumntu wendalo, iqumrhu okanye inkampani, inokufumana kwaye yenze iintlawulo ngokuchanekileyo iimeko ezifanayo nokuba ezo ntlawulo okanye ugqithiselo zifuna iinkqubo zemida phakathi kwamazwe ahlukeneyo akhoyo.

Indawo ye-SEPA yenziwe ngamazwe angama-27 e-European Union ukongeza amazwe afana neSwitzerland, iMonaco, iNorway, i-Iceland okanye iLiechtenstein (ayibandakanyi iAndorra), ethi, nangona ingadityaniswanga ngokusemthethweni kwi-EU, banemiqathango efanayo.

Le nkcazo ibonisa ukubaluleka kokwazi eli candelo lokubhankisha kuba, kuqala, awuyi kuba nakho ukwenza naluphi na uhlobo lwentengiselwano okanye ugqithiso kuba awuzukuwazi onke amanqanaba asezantsi okwenza lo msebenzi, kuba kolunye unzima Imiba yibhanki ngokwayo eyenza amalungiselelo afanelekileyo okuthintela iintloko eziphambili kumthengi.

Ichaphazeleka njani i-SEPA (iNdawo eYodwa yokuHlawula kwiiYuro) ukuba ungumthengi webhanki?

Njengoko ubonile ngaphambili, eli nyathelo liyanceda Amazwe angama-32 enza i-SEPA (Amazwe angama-27 e-European Union kunye namanye amazwe angama-5 ongezwe kwisivumelwano), kuyanceda ukuba zombini iintlawulo kunye neengqokelela zineemeko ezifanayo nokuba zithini na ilizwe elichaphazelekayo.

Kwelinye icala, oku kuququzelela ukuba zombini iintlawulo zikazwelonke nezamazwe aphesheya (amazwe enza i-SEPA), kulula kakhulu ukuzenza, ngokungafaniyo naphambi kwesi sivumelwano yonke into yayinzima kakhulu.

Ukongeza, enkosi kweli nyathelo, kukho izibonelelo ezithile ezazingabikho ngaphambili xa uhlawula, kwaye zizinto ezinje:

• Unokuba neakhawunti enye yokwenza iintlawulo

Enkosi kwesi sivumelwano, nabani na unokuba neakhawunti eyahlukileyo ukwenza iintlawulo kwii-euro phakathi kwamazwe adibeneyo e-SEPA, ngale ndlela kukho inkululeko engakumbi yokuhamba.

• Uphuculo lwenziwa kwiinkqubo zokuhlawula

Enkosi kolu phuculo kwi iinkqubo zokuhlawula, Abasebenzisi banokukhetha iindlela ezininzi ezinokuthi ziququzelele iindlela zokuhlawula, ezinje ngekhadi le-elektroniki, kwifowuni ephathekayo okanye ukufumana i-invoice ye-elektroniki. Kwixesha elidlulileyo iinkqubo bezihamba kancinci kwaye, ewe, bekungekho ndlela zininzi zokuhlawula zifikelelekayo.

• Ukhuseleko olukhulu

Enkosi kwindawo ye-SEPA, onke amazwe angamalungu angonwabela ukhuseleko olukhulu kwiintlawulo zawo, ukunqanda nakuphi na ukungqubana okunokuvela; Inqaku elinomdla kakhulu ekufuneka ulithathele ingqalelo kuba, ngapha koko, kukho ipesenti ephezulu yeziqinisekiso.

• Ukupheliswa kwezithintelo zentlawulo zamanye amazwe

Enkosi kwisivumelwano esikhona phakathi kwamazwe angamalungu e-SEPA, izithintelo kwiintlawulo zamazwe aphesheya ezazikhona azisasebenzi kwaye phantse kukho inkululeko ngokupheleleyo.

• Izinto zokuhlawula ezichaphazelekayo

Kwimeko apho ufuna ukwazi ukuba zingaphi izinto zokuhlawula ezichaphazelekayo zine:

• Amakhadi ebhanki akhoyo ngoku
• Amatyala ngqo athatha indawo yamatyala ngqo eSpanish
• Ukutshintshelwa endaweni yotshintsho lwangoku lwasekhaya
• Iiakhawunti zebhanki yangoku zinekhowudi entsha ebizwa ngokuba yi-IBAN

Utshintsho kwizixhobo zokuhlawula

Enkosi kwisivumelwano se-SEPA phakathi kwamazwe angamalungu, kukho utshintsho kwizixhobo zokuhlawula kwaye zezi:

• Utshintshelo: lonke ugqithiso lwebhanki lwenziwa nge-BIC okanye i-IBAN.
• Amakhadi: enye yeendaba ezithandekayo malunga nekhadi lekhredithi kunye ne-debit yi-chip eyakhelwe ngaphakathi ebizwa ngokuba yi-EMV. Uninzi lwamashishini aseSpain sele enalo olu phawu lokwenza iirhafu zenye into eyakhelwe-ngaphakathi ebizwa ngokuba yi-POS, ethi ngenxa yayo iintlawulo zikhuseleke kuba azenziwanga ngutyikityo kodwa zenziwe ngePIN yekhadi.
• Ii-odolo zedebhithi ngqo: ii-odolo zedebhithi ngqo ziyafana nangoku; Ukuze iziko likhuphe imali kwiakhawunti yebhanki, kufuneka lenze njalo kwigunya lomnini, elinophawu olwahlukileyo ngokuxhomekeke kwimeko. Umzekelo, ukuba iziko libuyise isixa-mali esineentsuku ezili-10 zomsebenzi, iinyanga ezili-13 kulungiso olungelulo lomsebenzi okanye iiveki ezisi-8 zokubuyisa iirisithi ezigunyazisiweyo.

Yintoni i-IBAN kunye ne-BIC?

Ukuthathela ingqalelo oko I-IBAN kunye ne-BIC zinento eninzi yokwenza nesivumelwano se-SEPASiza kukunika inkcazo yayo ukuze, xa uceliwe, uyazi ngalo lonke ixesha ukuba yintoni.

• IBANKukuchonga zonke iiakhawunti zebhanki, oko kukuthi, xa usenza intengiselwano, baya kuyazi ukuba yeyakwabani le akhawunti ngenxa yale khowudi kwaye ngamanani ama-4 ekuqaleni kweakhawunti yebhanki, kwimeko yaseSpain. efana nale: ES00.
• BIC: sisazisi esibhankini sokutshintshelwa kwamanye amazwe. Ibhanki nganye inezayo. Isikhokelo, ikhowudi inokujongeka njengoku: INGDESHHUYYY.

Ngaba ngokwenene i-SEPA ibonelela ngeziBonelelo?

Ndiyabulela kwisivumelwano esikhona ne-SEPA, kukho izibonelelo zokwenene, kuba ukuthengiselana kwangaphambili kwilizwe liphela, nokuba leliphi ilizwe, bekukho iindleko eziphezulu kunye nokhuseleko oluncinci kwintengiselwano.

Ngoku unokudlulisela eFrance, eNetherlands, eJamani, eUnited Kingdom ... ngaphandle kokubangela ingxaki enkulu okanye inkcitho eninzi ekusebenzeni.

Isiphelo

Ukuqukumbela, siza kwenza isishwankathelo esifutshane ukuze zonke iikhonsepthi ozifundileyo kule post zingalityalwa kwaye ungafumana imali okanye udlulise imali ebhankini ngaphandle kwengxaki.

Yintoni i-SEPA?: sisivumelwano esikhona phakathi kwawo onke amazwe e-European Union (27) kunye namanye amazwe angama-5 angengawo e-EU (Swizalend, Monaco, Norway, Iceland okanye Liechtenstein ngaphandle kwe Andorra) ukuze bakwazi ukuhambisa iibhanki kwaye bafumane imali inkululeko epheleleyo nokhuseleko. Ndiyabulela koku, kuye kwakho utshintsho olwahlukileyo xa usenza intengiselwano ethanda ukhuseleko lwe-100% kuba iintlawulo zinokwenziwa nge-debit okanye ngamakhadi etyala ngekhowudi ye-POS kwaye kukwakho nezinye izinto zokuchonga ezimbini kwiakhawunti yebhanki, i-BIC kunye ne-IBAN.

Yintoni i-BIC?: yikhowudi echaza ibhanki yotshintsho kuzwelonke kwaye nganye inezayo. Ukufumana ikhowudi yebhanki yakho unokuyibuza ngqo kwisebe okanye kwiwebhusayithi yayo.

Yintoni i-IBAN? Esi sisazisi esinazo zonke iiakhawunti zebhanki ngoku. Yindlela yokwazi ukuba leliphi ilizwe umvuzo okanye ugqithiselo luvela. Le khowudi intsha isekuqaleni kwenani leakhawunti yebhanki. Ukufumanisa ukuba yeyiphi eyakho, kufuneka uzitshekishe ngokwakho nencwadi yakho yokupasa okanye ubuze ibhanki ngqo.

Ngoku ukuba uyazi ukuba yintoni i-SEPA, sebenzisa izibonelelo kwaye ube nenkululeko yezemali kwilizwe liphela.